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Motorcycle Insurance: Michigan Laws

As a motorcyclist in the Wolverine State, you don’t necessarily have to carry a policy that costs a whole lot each month. According to state law, only motorcycle liability insurance is required. Liability insurance agrees to indemnify the insured for sums he may be required by law to pay to third parties as damages for bodily injury or damage to property. Your liability insurance coverage must meet or exceed specific minimum caps for personal harm to others and damage to others’ property.

• For Injury to a Single Party: $20,000
• For Injury to Two or More Parties: $40,000
• For Property Damage: $10,000

Sure, if you just want the cheapest motorcycle insurance in Michigan, just insuring yourself up to these limits is what you want, but don’t forget: liability insurance only insures your own legal exposure. What if you get struck by a driver who doesn’t have insurance? To protect yourself, you need Uninsured Motorist insurance. To protect your motorcycle itself, you need a comprehensive or full coverage motorcycle insurance policy.